Kreissparkasse Gotha

What Kreissparkasse Gotha does

Kreissparkasse Gotha is a regional savings bank (Sparkasse) headquartered at Lutherstraße 2–4, Gotha, Thuringia, Germany, organized as a public-law institution (Anstalt des öffentlichen Rechts). It serves retail and small-business customers in the Gotha district through a branch-first model complemented by the App Sparkasse mobile channel, browser-based Online-Banking, a telephone service center (03621 221-0), and the multi-lingual S-pushTAN authentication flow.

The product set spans five vertically integrated pillars: (i) accounts and cards — multiple Girokonto variants plus Sparkassen-Card (Mastercard debit) and four Mastercard credit-card tiers; (ii) lending — S-Baufinanzierung, S-Privatkredit, S-Autokredit, Dispositionskredit, KfW promotional loans, and LBS modernization financing; (iii) savings and investments — Tagesgeld, Prämiensparen, Sparkassenbrief, VL-Sparen, PS-LOS-SPAREN, Sparkassen-Depot, DekaBank funds/ETFs and certificates, Helaba certificates, plus Sparpläne and S Broker DepotPlus; (iv) insurance distributed via SV SparkassenVersicherung, UKV (ZahnPRIVAT tiers), and Provincial (Passt-genau-Schutz, Modernisieren und Sanieren, Schutzbrief SorglosWohnen); and (v) real-estate services.

Revenue is generated from monthly account and card fees, net interest margin on lending, recurring commissions on Sparkassen-Finanzgruppe products (DekaBank, LBS, SV SparkassenVersicherung, UKV, Helaba), and transaction-based securities trading through Sparkassen-Depot. As part of the Sparkassen-Finanzgruppe, the bank benefits from shared institutional IT, brand, and nationwide ATM access (>12,000 machines), while governance rests with the owner (the Gotha district) and the Vorstand: Vorsitzende(r) Jörg Krieglstein, together with Claudia Hemmling and Annette Zanger as Board Members, supported by Gabriele Krug as Datenschutzbeauftragte.

Name

Kreissparkasse Gotha

Legal name

Kreissparkasse Gotha

Website

https://kreissparkasse-gotha.de

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

101–250 employees

Short description

Kreissparkasse Gotha is a public-law regional savings bank serving retail and SME customers in the Gotha district of Thuringia, Germany, offering accounts, mortgages, investment products, insurance, and real-estate services through branches, online banking, and the App Sparkasse.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221), Insurance Agencies and Brokerages (524210), Savings Institutions and Other Depository Credit Intermediation (522180), Consumer Lending (522291)

SIC

Savings Institution, Federally Chartered (6035), Insurance Agents, Brokers & Service (6411), Personal Credit Institutions (6141)

akta.pro primary industry

Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)

akta.pro secondary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Retail banking services
• Savings accounts
• Mortgage lending
• Investment services
• Insurance distribution

Headquarters

HQ city

Gotha

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Account and Transaction Fees: Monthly account fees for various Girokonto models (Girokonto Online, Standard, GiroStart, Mitwachsendes Konto). Transaction fees for transfers, card payments, and other banking services.
2. Interest Income from Lending: Interest earned on loans including S-Baufinanzierung (mortgage), S-Privatkredit, Dispositionskredit, S-Autokredit, and KfW-Förderkredite. Primary revenue driver for savings banks.
3. Investment Product Distribution: Commissions from distributing investment products including Sparkassen-Depot (DekaBank funds, ETFs, certificates), Deka Investments, and S Broker services. Includes fund management fees and transaction commissions.
4. Insurance Product Distribution: Commissions from selling insurance products through SV SparkassenVersicherung, UKV (dental insurance), and other providers. Includes property, liability, health, and life insurance products.
5. Bausparen (Building Savings) Products: LBS-Bausparen products including state-subsidized savings, Wohn-Riester, and construction financing. Part of the Sparkassen-Finanzgruppe offering.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels9 records

Core offering

Kreissparkasse Gotha is a regional German savings bank providing current accounts (Girokonto variants), Mastercard debit and credit cards, mortgage and consumer loans (S-Baufinanzierung, S-Privatkredit, S-Autokredit, Dispositionskredit), savings and investment products (Tagesgeld, Sparkassenbrief, Sparkassen-Depot, Deka investments, LBS-Bausparen), insurance distribution (SV SparkassenVersicherung, UKV dental), real estate services, and digital banking via App Sparkasse and Online-Banking for retail customers, young customers, and small businesses in the Gotha district.

Product overview

Kreissparkasse Gotha operates as a regional savings bank (Sparkasse) offering a unified banking platform through its Internet-Filiale, organized into five core product categories: (1) Account & Card Services including Girokonto variants (Online, Standard, Start, Mitwachsendes), Sparkassen-Card debit Mastercard with PAYBACK integration, and four Mastercard credit card tiers (Standard, Gold, Basis, Platinum); (2) Financing Solutions comprising S-Baufinanzierung (mortgage), S-Autokredit, S-Privatkredit, Dispositionskredit, KfW promotional loans, and FlexiGeld; (3) Savings & Investment including Tagesgeld, Prämiensparen, Sparkassenbrief, VL-Sparen, PS-LOS-SPAREN, Sparkassen-Depot for securities, Deka Investments (funds, ETFs, sustainable investments), LBS-Bausparen with state subsidies, and Zertifikate from Helaba and DekaBank; (4) Insurance Products underwritten by SV SparkassenVersicherung and UKV covering property (Wohngebäude, Hausrat, Haftpflicht), health (Zahnzusatzversicherung ZahnPRIVAT, Krankenhaus-Zusatz, PflegePRIVAT), motor (Kfz, Moped, E-Scooter), and personal coverage (Unfall, Berufsunfähigkeit, Risikoversicherung), plus specialized offerings like Schutzbrief SorglosWohnen and Modernisieren und Sanieren; and (5) Real Estate Services for buying, selling, renting, and financing property. Digital banking is delivered via App Sparkasse (mobile) and Online-Banking (browser), supported by security features including S-pushTAN-App, chipTAN, Geräteerkennung, and Card Control, along with financial tools such as Finanzplaner, Kontowecker, Elektronisches Postfach, Wero instant payments, Multibanking, and Fotoüberweisung/GiroCode for bill scanning.

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto (Online, Standard, GiroStart, Mitwachsendes Konto) Current account products offered in multiple variants for online banking, standard adult customers, young customers (GiroStart), and a growing account for children (Mitwachsendes Konto), each with associated Sparkassen-Card and financial planning tools.
• Mastercard Credit Cards (Standard, Gold, Basis, Platinum)
• S-Baufinanzierung
• S-Privatkredit
• S-Autokredit
• Dispositionskredit
• Tagesgeld
• Prämiensparen flexibel (Ratensparen)
• Sparkassenbrief
• VL-Sparen
• PS-LOS-SPAREN
• Sparkassen-Depot (Wertpapiere und Börse)
• Sparplan (Fonds-Sparplan, ETF-Sparplan)
• Zertifikate (Helaba, DekaBank)
• Deka Investments (Fonds, ETFs, Investmentfonds)
• LBS-Bausparen
• Sparkassen-Altersvorsorge
• Betriebliche Altersvorsorge
• Versicherungen (SV SparkassenVersicherung, UKV)
• Zahnzusatzversicherung (ZahnPRIVAT 75, 90, 100)
• Modernisieren und Sanieren (SV)
• Schutzbrief SorglosWohnen
• Passt-genau-Schutz (Sachversicherung)
• Immobilien
• Online-Banking (Internet-Filiale)
• App Sparkasse (Mobile Banking)

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

Feature6 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• DekaBankcoreTechnology or IntegrationDekaBank provides investment fund products including Deka ETFs, Deka Investmentfonds, and the DekaBank Depot. Kreissparkasse Gotha distributes these products through its Sparkassen-Depot and Deka Investments offerings.
• SV SparkassenVersicherungcoreChannel Partner/ Reseller/ DistributorSV SparkassenVersicherung provides insurance products distributed through Sparkassen branches including home insurance (Wohngebäude, Hausrat), liability insurance, and the Schutzbrief SorglosWohnen emergency home services.
• UKV (Union Krankenversicherung AG)coreChannel Partner/ Reseller/ DistributorUKV provides supplemental dental insurance products (ZahnPRIVAT 75, 90, 100) distributed through the Sparkasse. Located at Peter-Zimmer-Str. 2, 66123 Saarbrücken.
• Helaba (Landesbank Hessen-Thüringen)coreTechnology or IntegrationHelaba provides investment certificates (Zertifikate) including Zinsdifferenz-Anleihen, Geldmarktfloater Flex, Carrara Anleihen, and DuoRendite Anleihen distributed through the Sparkasse.
• LBS (Landesbausparkasse)coreChannel Partner/ Reseller/ DistributorLBS provides state-subsidized building savings products (Bausparen) including Wohnungsbau-Prämie, VL-Sparen, and Wohn-Riester for home financing.
• ProvinzialcoreChannel Partner/ Reseller/ DistributorProvinzial provides Sachversicherung (property insurance) products including the 'Passt-genau-Schutz' customized insurance coverage sold through Sparkassen advisors.
• KfW BankengruppeminorStrategic or Co-development PartnerKfW government development bank provides subsidized loans (KfW-Förderkredite, KfW-Studienkredit) for energy-efficient construction, education, and modernization, distributed through the Sparkasse.
• PAYBACKminorGTM or Marketing PartnerPAYBACK loyalty points program integrated with Sparkassen-Card (Debitkarte), allowing customers to collect points at Aral, dm, EDEKA, and Netto Marken-Discount.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Taunus Sparkasse: Small-to-mid regional Sparkasse operating in a similarly constrained geographic catchment (Hochtaunuskreis). Closely matches Kreissparkasse Gotha's scale, branch-and-app distribution mix, and reliance on Sparkassen-Finanzgruppe partnership products.
• Sparkasse KölnBonn: Large German Sparkasse operating the same public-law savings bank model with the same product suite (Girokonto, Baufinanzierung, Versicherungen via SV SparkassenVersicherung). Closely comparable business model and Sparkassen-Finanzgruppe membership, though at substantially larger scale than Kreissparkasse Gotha.
• Kreissparkasse München: District-level Kreissparkasse operating in the Munich district under the same Anstalt des öffentlichen Rechts structure as Kreissparkasse Gotha. Provides the closest peer match on legal form, regional scope, customer profile, and product portfolio — useful for benchmarking unit economics.
• Sparkasse Leipzig: Regional Sparkasse in eastern Germany with structurally similar demographics to Gotha (post-reunification Thuringia/Saxony catchment). Comparable product portfolio, branch-plus-digital distribution model, and reliance on the Sparkassen-Finanzgruppe partner ecosystem.
• Sparkasse Nürnberg: Mid-sized regional Sparkasse with comparable headcount and product breadth, including Girokonto variants, S-Baufinanzierung, Sparkassen-Depot, and SV/UKV insurance distribution. Operates within the same Sparkassen-Finanzgruppe framework and serves a similar retail/SMB customer base.

Broad incumbents

• Sparkasse Berlin: Major Sparkasse in the German capital operating the same product model and Sparkassen-Finanzgruppe partnerships. Useful comparable for digital transformation roadmap (App Sparkasse, Online-Banking) and distribution density economics at larger scale.
• Stadtsparkasse München: One of Germany's largest municipal savings banks with the same Sparkassen operating model but serving a major metropolitan area. Provides a useful comparable for product strategy, digital banking investments (App Sparkasse), and insurance/securities distribution economics at scale.
• DKB (Deutsche Kreditbank): Direct bank owned by BayernLB offering online Girokonto, brokerage, and consumer lending products. Competes for the same retail customer base as Kreissparkasse Gotha, particularly younger and more price-sensitive segments, with an aggressive digital proposition.
• ING-DiBa: Germany's largest direct bank and the principal challenger to Sparkassen retail deposit and consumer lending franchises. Competes head-on with Kreissparkasse Gotha on Girokonto, Tagesgeld, and consumer credit, but with a no-branch, digital-only model that pressures incumbent economics.

Regional players

• Volksbank Mittweida: German cooperative bank (Genossenschaftsbank) operating in a comparable small-town eastern German catchment. Competes directly with Kreissparkasse Gotha for retail and SMB customers, with a similar branch-based advisory model and comparable product breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/kreissparkasse-gotha

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kreissparkasse Gotha